Thank you, Mr. Chairman. I would like to have a grey area cleared up for me. I understand when the Housing Corporation guarantees loans or approves clients for home-ownership, I am not sure how it works, but someone builds a home for them. Are the clients given the choice as to who builds or what kind of unit they are going to get, what they are going to pay for it? Some of these people are paying for it for 25 years. I am just wondering, what options do they have when they have been given approval for funding or support out there? Thank you.